Little Dog,
That isn�t the half of it. My friend owns a condo and boat down in the Bahamas. He took some friends out there for a pleasure trip; fishing, boating...etc. One guy brings a buddy. The buddy twists his ankle on the dock, doesn�t say anything about it. Next thing you know my friend is getting questions from his friend about insurance coverage when they get home...blah blah blah.
The net of the story is that this JERK got a freebie fishing trip to the Bahamas, then takes my friend insurance company to the cleaners for medical bills, pain and suffering. The so-called friend insinuates that my buddy �must have enough money if he can afford a boat in the Bahamas�. What a genuine A-hole.
Needless to say, for a few extra bucks, it�s worth the coverage. I cringe at the thought of someone having an accident or worse, drowning in my lake - much less the aftermath of lawsuits�etc. Makes me think twice about inviting "friends" out to my place for some fishing...